The USDA loan limit for the year 2026 in Grand-Rapids, located within Kent county, MI, is $285,000. In comparison, the FHA loan limitation for a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to assess and contrast today's top USDA and FHA rates. Evaluate the income, credit status, reserves, and requisite documents essential for qualification. Our advanced mortgage calculator displays the USDA, FHA, Conforming, and VA programs side by side, assisting in selecting the most suitable option for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The primary aim of Lendersa® is to swiftly secure the most favorable USDA or FHA loans for you, without unnecessary hassle. Choose one of three introductory options that match you with suitable lenders and USDA loan programs.
A USDA home loan, overseen by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural regions. Unlike FHA loans that necessitate a minimum of 3.5% down payment, the USDA mortgage loan requires no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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